What personal data we collect about you

Personal data that we need to set you up with a policy or product. This includes:

• Contact details, including your name, email address, address and phone number
• Date of birth
• Gender
• Marital status
• Employment status
• Special category data, including medical information and criminal convictions (for example, if you need us to make any reasonable adjustments to support you based on your needs)
• Machine identifiers, including your IP address
• Telematics information, including your location, car information and driving details (see our section on telematics)
• App information, including event data and the time and date you got a quote
• Information about your income
• Proof of residency
• Financial information, like your bank details, credit card details, and information we've got from any credit checks, bankruptcies and other financial information, like county court judgements
• Transactional data (for example, insurance claims or details about payments to and from your accounts)
• Information we've got through our use of cookies and other tracking technologies - you can find out more about this in our cookie policy
• Details of any vulnerabilities you might have, and the support we can offer

• Details of any named drivers on the policy, and their relationship to you as the policyholder
• Driving license
• No claims bonus
• Claims history
• Related third party details if you're involved in a claim

• Registration plate (also known as a number plate)
• Car details
• Property information, like the type of building, any features, etc

• Contact details of third parties associated with your policy or product (for example, a named driver)
• Driving history of third parties
• Any nominated representatives or authorised callers

If you give us personal data about someone else, you're acknowledging:

• that you have their permission to do so
• that they understand how we'll process their data

We'd strongly encourage anyone whose personal data you give us to read this privacy notice, so they understand everything fully.

• Data collected through our use of cookies and other tracking technologies on our websites and apps (for example, IP address, cookie ID and device information)
• Your marketing preferences
• Advertising profile, including the products you're most likely to be interested in based on your product information

• Voice recordings of calls made to our call centres
• Webchat and transcripts when you contact our customer care team
• Emails to our customer care team

Just a heads up - we might record conversations for training and quality purposes.

• About where the incident happened
• Claim evidence (for example, photos of claim details, dashcam footage, CCTV or automatic number plate recognition)
• Information from your car's on-board diagnostics device or telematics app (for example, the location, speed, distance driven, mileage reading, and cornering and braking if you're a telematics customer)
• Details of any injuries
• Some of these details might include other people who were involved, like partners or children

If you use our telematics product we'll collect vehicle and driving related data from your vehicle.

That includes:

1. Date and time
2. Location (latitude and longitude)
3. Speed, distance, and duration
4. Acceleration, braking, and cornering
5. Other vehicle-related information

We usually record data while you're using your vehicle. It's sent to us after a short delay by our trusted partners who provide and deal with telematics products.

We collect some information from internet sources like:

• The Open Government Licence
• Internet searches
• Marketing companies who give us policy renewal information
• News articles
• Online marketplaces
• Social media platforms
• Details from the devices and networks you use to interact with our apps or websites
• Telematics data from the use of cookies and app information (check out our cookie policy for more info)

This information helps manage our fraud and pricing processes that we talk about in our section on the data we collect about you.

What type of data we get from them

• Road tax status
• Geological or flood data for your area
• How much your home is worth
• Social media information
• Mobile information such as device type, IP address and operating system

We work with the Motor Insurers' Bureau (MIB) - and some associated, not-for-profit companies - who do lots of services for the insurance industry.

At every stage of your insurance journey, the MIB will be processing your personal information. To find out more, head to the MIB website.

Here's a quick overview of the type of activity the MIB does:

• Checking your driving licence number against the DVLA driver database to get driving licence data (including any driving conviction data) to help calculate your quote and tackle fraud
• Checking your no claims bonus and claims history
• Preventing, detecting and investigating fraud and other crime by carrying out fraud checks
• Maintaining databases of:
  • Insured vehicles (Motor Insurance & Policy Data, or Motor Insurance Database)
  • Vehicles that are stolen or not legally allowed on the road (Vehicle Salvage & Theft Data, or MIAFTR)
  • Motor, personal injury and home claims (CUE)
  • Employers' Liability Insurance Policies (Employers' Liability Database)
• Managing insurance claims that relate to untraced and uninsured drivers in the UK and abroad
• Working with law enforcement to stop uninsured vehicles being used on the roads
• Supporting insurance claims processes

What type of data we get from them

• No claims bonus
• Driver details

We might collect your driving licence number (DLN or 'MyLicence') when you apply for motor insurance or when you make a claim. In some cases, we might not be able to insure you without that information.

We use your driving license number to do an automatic check with the Driver and Vehicle Licensing Agency (DVLA) driver database.

We might use the DVLA's data, and any other information you've given us, to:

• calculate a motor insurance quote for you
• take care of your policy
• help prevent fraud

We won't use the data for any other reason or share it with anyone else. Only the motor insurance industry can use this information.

If you apply for a quote and then decide not to take out insurance with us, the data we get from the DVLA database will be made anonymous or deleted no later than 30 days after we get it.

We might carry out searches before your insurance policy starts and at any point throughout your policy, as well as when you renew.

For details about the information the DVLA holds about you, head to www.dvla.gov.uk and www.mylicence.org.uk.

To see your driving licence, visit www.gov.uk/view-driving-licence.

What type of data we get from them

• What type of licence you have
• How long you've held your license for
• Entitlements to drive
• Penalty points
• Convictions
• Conviction dates
• Disqualifications

TransUnion:
Consumer Services Team, PO Box 647, Unit 4, Hull, HU9 9QZ or call 0330 024 7574 or email UKConsumer@transunion.com.

Equifax:
Credit File Advice Centre, PO Box 1140, Bradford, BD1 5US or call 0844 355 0550 or log on to www.equifax.co.uk.

Experian:
Consumer Help Service, PO Box 8000, Nottingham, NG80 7WF or call 0844 481 8000 or log on to www.experian.co.uk.

We do some checks when you:

• open an account
• renew your policy
• ask for a change to your insurance agreement

We do this to assess your application for credit and to check your identity. This helps us to spot and prevent crime, including money laundering.

We might also check the details you give us when you buy your policy, renew it, or apply for a financial agreement. This is to work out any misrepresentation and to prevent insurance fraud if you make a claim.

To get this information, we'll check some records about you, anyone else who might be insured with us, or a joint party whose personal details you've given us as part of your application.

Those records include:

• Our own records
• Credit Reference Agency (CRA) records. When CRAs get a search from us, they'll put a 'search footprint' on your credit file that other lenders might see. CRAs give us both public (including the electoral register) and shared credit and fraud prevention information.
• Fraud Prevention Agency (FPA) records
• We make searches about you at credit reference agencies, who give us information including the Electoral Register and credit information. The agencies will record details of the search whether or not your application goes ahead.

The searches won't be seen or used by lenders to assess if you can get credit from them.

We might use scoring methods to check your application and verify your identity.

When you or someone in your household applies for things like insurance or loans, we and other companies might use credit checks and other information we've been given about you or anyone you're financially linked to.

We might also use this information to:

• trace debt
• prevent money laundering
• manage your account

We could also ask you to give us a physical form of identification.

If you're making a joint application, or you want to tell us that you have a spouse or financial associate, we'll link your records together. That's why it's important to make sure they agree you can share their information with us!

CRAs will also link your records together. These links will stay on both your files until either of you successfully file for a 'disassociation'. That means the link would be removed from your files.

We might also make regular searches at CRAs and FPAs to manage your account and offers with us.

Information on applications will be sent to and recorded by CRAs. When you borrow from us, we'll give details of your account(s) and how you manage them to CRAs. If you borrow from us and don't repay the money in full and on time, CRAs will record the outstanding debt.

CRAs and FPAs might then give that information to other organisations to do similar checks, trace where you are, and recover any debts that you owe. These records stay on file for six years after they're closed, whether you settle them or are defaulted (that's when you don't pay them at all).

If you give us false or inaccurate information and we suspect or identify fraud, we'll record it. We might also pass this information to FPAs and other organisations that are involved in preventing crime and fraud.

If you borrow from us and don't make payments that you owe us, we'll trace where you are and recover your debts.

If we or a fraud prevention agency decide you pose a fraud or money laundering risk, we might:

• refuse to offer the services and financing you've requested
• refuse to employ you
• stop providing existing services to you

Fraud prevention agencies will keep a record of if you're a fraud or money laundering risk. It could mean others refuse to offer you services, financing or employment. If you have any questions about this, get in touch using the details below.

Your data might also be used for other purposes that you give your specific permission for, when we have legitimate business interest, or when it's required by law or under the terms of the GDPR.

Still got questions? Get in touch

This is a short guide to how we use your personal information when it comes to credit referencing. If you'd like to read the full details of how your data might be used, you can:

• give us a call on 0333 220 2062
• write to us at Pricing Department, Tŷ Admiral, David Street, Cardiff, CF10 2EH

You can also get in touch with the CRAs that are currently working in the UK. They might not all have the same information, so you might need to contact them all. They'll charge you a small fee.

What type of data we get from them

• Electoral Register Information
• Credit information

Admiral Money:
Moneyhub Financial Technology Limited, Roxburgh Milkins Limited Merchants House North, Wapping Road, Bristol, United Kingdom, BS1 4RW. Check out Moneyhub's privacy policy.

Admiral Pioneer:
Trustly Group AB, Rådmansgatan 40, floor 5, 113 57 Stockholm, Sweden. Check out Trustly's privacy policy.

We might ask you to share access to your bank or building society account data through Open Banking:

• when you apply for something with us (for example, a loan or other financial product)
• during your agreement with us
• sorting out settlement payments for you
• helping us check the product we offer is right for you, or still meets your needs if your circumstances change

Open Banking lets you share your bank or building society account data securely. That's because it's through an FCA-regulated Account Information Service Provider (AISP).

We'll put you safely in touch with an AISP, who work with UK banks and building societies to give secure access to your information.

Before you give your permission, you'll be told who the AISP are and get a link to their privacy policy.

Once you've given your permission, they'll collect information from your bank or building society account(s), which we can then access and use securely.

If you're applying for a loan or other product, we'll get two years of information from your main bank account and any other accounts you've chosen. This will be two years from the date you agreed to give us access.

Once you've given us access, we can review the information we have within the next 90 days. For example, when you've agreed an arrangement with us, we'll be able to review it to see if it’s still right for you.

After this 90-day period, we'll ask for your permission if we need to access your information again.

You can remove our access to your bank or building society accounts at any time by getting in touch with us.

When you share this data with us, we might use the information to:

• consider whether you can afford the loan or other financial product you're interested in
• check if any other information you've given us is accurate
• manage your relationship with us
• help us understand how your circumstances might have changed
• help us prevent criminal activity and financial crime, including fraud and money laundering
• process payments for you after a claim settlement or another similar payment process

We might also use your personal information to:

• create and improve the products and services we offer
• develop and improve our processes, credit risk system and policies

This is so we can meet the needs of our customers better.

We might also use this data, alongside information we've got from credit reference agencies and other organisations, to do some 'analytical modelling'. This means we look at your characteristics, interactions and behaviours to profile your information.

It helps us work out what the appetite for risk is when it comes to lending to you or making another arrangement with you. If your information shows you might not be likely to pay us back in full, it might be a higher risk for us to lend to you.

We'll continue to do this whether either of us chooses to go ahead with your application, arrangement, or if you continue to be one of our customers.

Some other things to know about Open Banking:

If you give us access to a joint bank account, we and AISPs that we work with might also have access to data about your spouse, partner or other financial associate. Open Banking says that any of the holders of a joint bank or building society account can grant access to this.

When we're lending or offering other financial services, it's our responsibility to make sure the products we give you are affordable and meet your needs.

To do this, we securely share your payment information with credit reference agencies to make sure we have enough data to make well-informed decisions about offering credit.

It also helps the rest of the financial sector get a better understanding of your credit history and accounts. This means they can also make sure you're only offered financial services you can afford.

As well as managing access to your bank and building society account(s), AISPs might use the information they get for their own reasons.

What type of data we get from them

• Name, number and sort-code
• Balances, and any incoming or outgoing transactions
• Fees, charges, interest, benefits or rewards
• Regular payments, like standing orders and direct debits

We might share your personal data with some other organisations who help us handle your insurance or other financial products, including:

• price comparison websites (PCWs) - we might match your PCW quote to your customer profile, so we can tailor offers to you
• other insurers
• re-insurers
• brokers
• some other third parties

What type of data we get from them

• Name
• Account Details
• Policy details